89 Lowell St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 89 Lowell St, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,856 sqft · built 1929
Lot Size	0.324 acres (14,113 sqft)
Owner	Individual Name on File
Last Sale	$830,000 (Apr 2024)
Tax Bill	$8,416 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Nov 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00070 B:00032 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00070 B:00032 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,856 sqft Living Area
Gross Area	2,842 sqft
Basement Area	928 sqft
Unfinished Basement	928 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,113 sqft (0.324 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	89 LOWELL ST
City	ANDOVER
State	MA
Zip	01810-2972
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Block	32
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	3
Census Block	3011
Census Tract	254100

Owner

89 Lowell St is owned and occupied by an individual who bought it in April 2024.

Source: Essex County and Andover Town records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	89 LOWELL ST, ANDOVER, MA 01810-2972
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BANK OF AMERICA NA
Nov 8, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage KIAVI FUNDING INCORPORATED
Aug 13, 2018	Deed of Trust, Mortgage · FHA Mortgage LENDUSA LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2024 · Amount on File
Deed Sale	Apr 18, 2024 · Amount on File
Prior Sale	Nov 8, 2023 · Amount on File
Deed Book / Page	17970 / 256
Record Updated	Sep 20, 2026

April 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Apr 18, 2024
Property Address	89 LOWELL ST, ANDOVER, MA 01810-2972
Document Number	017970-256
Book / Page	17970 / 256
Instrument Date	Apr 18, 2024
Instrument	5697
Transaction Type	Transfer
Record Updated	May 3, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	89 LOWELL ST, ANDOVER, MA 01810-2972

Mortgage

Document Number	0000005698
Date	Apr 18, 2024
Instrument	5698

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

November 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Nov 8, 2023
Property Address	89 LOWELL ST, ANDOVER, MA 01810-2972
Document Number	0017872-64
Book / Page	17872 / 64
Instrument Date	Nov 8, 2023
Instrument	18579
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	148R WILLOW ST, ACTON, MA 01720-2728
Investor	Possibly a Property Investor

Mortgage

Document Number	0000018580
Date	Nov 8, 2023
Instrument	18580

Lender

Name	KIAVI FUNDING INCORPORATED

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	89 LOWELL ST, ANDOVER, MA 01810-2972
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15583-19
Date	Aug 13, 2018
Book Page	15583/19
Instrument	19589

Lender

Name	LENDUSA LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 89 Lowell St was $8,416, down 0.9% from the year before.

Source: Essex County and Andover Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Andover Town
Unified School District	Andover School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,416.00 (-0.86%)	$673,800 (+2.23%) Land $364,600 Building $309,200	$769,405
2024	$8,489.00 (+3.1%)	$659,100 (+9.34%) Land $360,500 Building $298,600
2023	$8,234.00	$602,800 Land $333,700 Building $269,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 89 Lowell St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 individual policies
Nearby Flood Policies	72 units insured incl. 60 condo units
Nearby Flood Claims	43 (1979–2010)
Claims Outside the SFHA	5 of 43
Most Recent Claim	Apr 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Apr 2010 · 12 claims Severe Storms And Flooding, May 2006 · 9 claims Extreme Weather Conditons And Flooding, Oct 1996 · 4 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 89 Lowell St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ANDOVER WATER DEPT serves 36,569 people · EPA ID MA3009000
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line replacement currently in violation since Nov 2021 Corrosion control Jan 2022
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 228 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

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